990 Liskeard Ave · Orange City, FL 32763

$215,000

3 bd · 1.0 ba · 988 sqft · SingleFamily public records · 204 Days on market

Built 1981 10,200 sqft lot

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +11.9/30.0
• ARV discount +7.5/15.0
• Schools +3.9/10.0
• 1% rule +3.8/10.0
• Rent growth +3.8/5.0
• Livability +3.6/5.0
• DSCR +3.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

Key facts

• 0.23 acre lot
• Garage
• Built 1981

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $-57 ($-679/yr) — negative.
• To cash-flow at today's rent, offer at most $205k (4.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $189k (12.1% below list).
• Recommended offer: $189k (12.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#406 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Volusia (suburban): math 44% / reading 49% proficiency, ranked #47 of 73 in FL (top 64%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Manatee Cove Elementary School (math 50% / reading 55%, grade C-, #976 of 2,144 statewide, top 46%, 795 students, 61% FRL); University High School (math 28% / reading 46%, grade F, #340 of 667 statewide, top 52%, 2,901 students, 49% FRL) — zoned schools at 55% FRL track the district average.
• Market conditions: Rents rising fast (+5.2%/yr); 243 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).
• This rent runs 34% of the median local income ($67k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Volusia County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 204 days — a 12% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 26y ago; this cycle's ask is 8% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $156k; 38% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $189,075 (12.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 204 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.88% ✗
• Cap rate: 5.98%
• Cash-on-cash: -1.13%
• DSCR: 0.95
• GRM: 9.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 5.22% rent growth · sell at horizon

5-year hold

• IRR: -15.6%
• Equity multiple: 0.43×
• Total profit: $-34,058
• Equity at exit: $32,057

10-year hold

• IRR: -3.5%
• Equity multiple: 0.74×
• Total profit: $-15,482
• Equity at exit: $18,589

Cash invested: $60,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32763

• Rents YoY: 5.2%
• Active inventory: 243
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,891 medium
• Mortgage (P&I): −$1,127
• Tax from tax record: −$333 /mo · $3,998/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$397
• Net cashflow: $-57

Break-even live

Break-even rent $1,962

Max offer price $205,006

Occupancy floor 98%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
505 Patlin Ave Orange City, FL	2.0	1.5	1022	$1,600	$1.57	23d	1	0.44mi
258 Charles Ave Orange City, FL	3.0	2.0	1103	$1,950	$1.77	23d	1	0.66mi
345 E Ohio Ave #345 Orange City, FL	2.0	2.0	1006	$1,697	$1.69	23d	1	1.10mi

Listing history 31 events

1. 2025-08-13
   status Pending
2. 2025-02-18
   price $215,000
3. 2025-01-21
   listed $199,000 Active
4. 2024-11-01
   historical

   Show marketing remark (607 chars)

   This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

5. 2024-11-01
   historical 607-char remark

   Show marketing remark (607 chars)

   This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

6. 2024-08-30
   price $215,000

   Show marketing remark (607 chars)

   This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

7. 2024-08-30
   price $215,000 607-char remark

   Show marketing remark (607 chars)

   This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

8. 2024-08-16
   status Active 607-char remark

   Show marketing remark (607 chars)

   This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

9. 2024-08-16
   listed $230,000 Active

   Show marketing remark (607 chars)

   This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

10. 2024-08-08
    historical 607-char remark

    Show marketing remark (607 chars)

    This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

11. 2024-07-20
    historical $230,000 607-char remark

    Show marketing remark (607 chars)

    This adorable 3/1 home has Ceramic tile throughout the home. Metal Roof (Approx. 2016), New Drain Field (Approx 2016-17), New Windows throughout except 1, Blinds throughout, Gutters, New Digital Thermostat, large back yard for your pets and a bonus gorgeous fenced private lanai in the back yard. Step outside from you sliding glass doors into your own little oasis and enjoy your morning cup of coffee or your evenings and relax. Conveniently located close to shopping, restaurants, medical facilities and only a 30 min drive to the beaches and 45 min drive to Orlando. Call today to set up an appointment!

12. 2020-07-16
    soldstatus $156,000
13. 2020-07-08
    soldstatus $156,000 Sold
14. 2020-06-03
    status Pending
15. 2020-05-20
    listed $159,900 Active
16. 2020-02-27
    status Pending
17. 2020-02-27
    historical
18. 2020-02-21
    listed $159,900 Active
19. 2017-12-27
    soldstatus $120,000
20. 2017-12-18
    soldstatus $120,000 Sold
21. 2017-11-13
    status Pending
22. 2017-11-10
    status Active
23. 2017-10-17
    status Pending
24. 2017-10-17
    status Active
25. 2017-10-16
    status Pending
26. 2017-10-16
    price $125,000
27. 2017-10-13
    listed $119,900 Active
28. 2000-11-20
    soldstatus $53,000
29. 2000-09-21
    listed $53,000
30. 1998-08-26
    soldstatus $55,900
31. 1998-08-01
    soldstatus $55,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $3,998 · $333/mo
• Projected year-2 tax: $3,998 · $333/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,689
• − Mortgage interest: −$12,043
• − Property taxes: −$3,998
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,815
• − Management: −$1,815
• − Depreciation: −$6,255
• Taxable loss: −$4,313
• Est. tax savings @ 24.0%: +$1,035
• After-tax cash flow: $356/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Volusia
• NCES district ID: 1201920
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 49% ▼ -3.00%
• Median HH income: $42,946
• Composite: 39.2/100
• National rank: #4019
• State rank: #47 of 73 in FL

Livability — Orange City

• Score: 71/100
• State rank: #406
• US rank: #7175

Category grades

Amenities F Commute F Cost of living A+ Crime B- Employment D+ Housing A+ Health & safety D- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Volusia County · 556,871 people
• City population: 24,951
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 24,951
• Household income: $66,716
• Rent vs Own: 35.3% rent · 64.7% own
• Severe rent burden: 1544.0

Population outlook (Volusia County) Hauer SSP2

• Today (2025): 572,749 people
• By 2030: 598,695 · +4.5%
• By 2040: 644,880 · +12.6%
• By 2050: 681,451 · +19.0%
• By 2075: 759,957 · +32.7%
• By 2100: 778,902 · +36.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 18% Two or more races 7% Black 7% Asian 1%
• Hispanic origin (detail): Puerto Rican 12%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 2%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 85% English-only · Spanish 12% Russian/Polish/Slavic 1%

Political lean MEDSL · Volusia

• 2024 margin: Strong R (+21.8) · D 38.7% · R 60.5%
• 2008→2024 swing: -27.4pp toward R · 2008: 5.7pp · 2024: -21.8pp
• All cycles: 2024: R+21.8 2020: R+14.1 2016: R+13.1 2012: R+1.2 2008: D+5.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -225.13%
• Current HPI: 335.8393
• Rent YoY: ▲ 5.22%
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+284.6% since first listed

31 events — show timeline

• 2025-08-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-02-18 Price Changed $215,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-21 Listed $199,000 Stellar MLS as Distributed by MLS Grid
• 2024-11-01 Listing Removed — SCMLS
• 2024-11-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-08-30 Price Changed $215,000 Stellar MLS as Distributed by MLS Grid
• 2024-08-30 Price Changed $215,000 SCMLS
• 2024-08-16 Relisted — SCMLS
• 2024-08-16 Listed $230,000 Stellar MLS as Distributed by MLS Grid
• 2024-08-08 Listing Removed — SCMLS
• 2024-07-20 Coming Soon $230,000 SCMLS
• 2020-07-16 Sold (Public Records) $156,000 Public Records
• 2020-07-08 Sold (MLS) $156,000 Stellar MLS as Distributed by MLS Grid
• 2020-06-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-05-20 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2020-02-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-02-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-02-21 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2017-12-27 Sold (Public Records) $120,000 Public Records
• 2017-12-18 Sold (MLS) $120,000 Stellar MLS as Distributed by MLS Grid
• 2017-11-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-11-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-10-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-10-17 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-10-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-10-16 Price Changed $125,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-13 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2000-11-20 Sold (MLS) $53,000 Daytona MLS
• 2000-09-21 Listed $53,000 Daytona MLS
• 1998-08-26 Sold (Public Records) $55,900 Public Records
• 1998-08-01 Sold (Public Records) $55,900 Public Records

Property tax history

+10.2%/yr

Latest (2025): $3,998 · +90.3% YoY. Source: county tax records.